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BEST FOR

Aspiring home owners who want to achieve home ownership

  • Loan up to Rs. 50 Lakh

  • Tenure up to 20 years

  • Attractive interest rates

  • Easy Balance Transfer facility

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Amount

Interest Rate

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Disclaimer*: *For representation purpose only. Final values may vary subject to bank’s policy.

Things you should know

  •  Eligibility

     Loans available for salaried and self-employed individuals.

  •  Loan Amount

     You can avail up to Rs. 50 Lakh with the right eligibility.

  •  Balance Transfer

     Use the option of balance transfer from banks and Non-Banking Financial Companies (NBFCs).

  •  Age Range

     Applicants between 21 years and 70 years can apply.  

  •  Repayment Tenure

     Up to 20 years with easy EMIs.

VIEW DETAILED DOCUMENTATION

About Pratham Home Loan 

 Pratham Home Loan Overview

Pratham Home Loan is an affordable Home Loan designed for salaried and self-employed individuals, helping them purchase their dream home with flexible repayment options and attractive interest rates. It offers easy documentation and quick approvals for a hassle-free borrowing experience.

 Eligibility Criteria

Applicants must be at least 21 years old to apply. Loan approval depends on various factors, including income, employment status, credit history, and financial stability. ICICI Bank evaluates these criteria to determine the suitable loan amount and repayment terms.

 Loan Amount & Tenure

Borrowers can avail of a Home Loan of up to Rs. 50 Lakh with a repayment tenure of up to 20 years. This allows for manageable EMIs, making homeownership more affordable while ensuring long-term financial stability.   

 Balance Transfer Facility

ICICI Bank offers a Balance Transfer option, allowing borrowers to shift their existing Home Loan from other banks or financial institutions to ICICI Bank. This facility helps in securing attractive interest rates and reducing overall financial burden

FAQs

Who can apply for Pratham Home Loans?

Salaried employees with a minimum salary of ₹10,000/month and self-employed individuals with 5 years of business experience and 3 years if in the same line of business are eligible.

What can I use Pratham Home Loans for?

You can use it for Home Loans, Home Improvement Loans, Non-Residential Premises Loans, Balance Transfers, Land and Construction loans funded under EMI while the property is under construction

What is the loan limit for Pratham Home Loans?

Pratham Home Loans offer loan amounts between ₹5 lakh and ₹50 lakh

How do I apply for a Pratham Home Loan?

Apply online via ICICI Bank’s website or app, or visit a branch.

What are the eligibility criteria?

You must be at least 21 years old, with a minimum monthly salary of Rs. 10,000, with a minimum of 1 year of work experience, and a minimum of 6 months of work experience in the current organisation for salaried individuals, and a 5-year business vintage or 3 years if in the same line of business for self-employed.

Take a word from our Customers

  • P

    Peddintli Rao Dodda

    Rating: 4.5 stars

    I want to express my sincere appreciation for the Relationship Manager who assisted me with my Home Loan application. His follow-up and guidance were instrumental in making the loan process fast and efficient. It took less than two days for the sanction. The disbursement was quick, covering the legal and technical aspects which is not possible with other banks. Thank you for such dedicated support and exceptional service.

  • A

    Abhishek Gupta

    Rating: 5 stars

    I availed Home Loan from ICICI Bank and I will highly recommend it. The application process was simple, documentation requirements were clear and the Bank's team was responsive and professional. The loan approval and disbursal were on time and the transparency of the terms and conditions was commendable. Overall, I had a hassle-free and satisfying experience with ICICI Bank Home Loan team. I am grateful for the support and assistance I have received from the dedicated team of ICICI Bank. I am looking forward to a long and trusted relationship with ICICI Bank.

  • S

    Suraj Srivastava

    Rating: 4.5 stars

    ICICI Bank and its Relationship Manager made my Home Loan process as simple as it could be. It just took 3 weeks right from the first enquiry call to the loan disbursement. Hats off to the team for their prompt actions, timely reminders for documents, closure of tasks etc. I will share my wonderful experience with others and strongly recommend ICICI Bank Home Loan to everyone. Thanks team.

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